One insurance tip that most drivers follow without realizing is working to avoid a policy lapses on their insurance policies. When a driver lets insurance lapse, it almost always means that a rate increase will be coming in the future. This is often extremely frustrating to new, seasonal and interim drivers who may not need an insurance policy year round. A little careful math can sometimes help drivers avoid extra costs by stretching a policy, even an unnecessary one, year round.

Because every state in the U.S. requires some type of coverage in order to drive legally, insurance companies know that the product they offer is pretty much mandatory. They use the increase in rates due to policy lapses as a way to remind drivers that they are required to have insurance on an operable vehicle.

When drivers who plan on being off the road for a long period first hear that they will end up paying more for insurance after a break, it tends to be upsetting news. Luckily, a canny driver can make the most of the insurance market in order to recoup these costs in the off months. It only takes a little work, and some value shopping to find a policy that stays cheap year round.

Insurance policies tend to come in yearly or annual packages. A driver pays a total amount for the term of the policy either up front or on a regular billing cycle. A driver who only opts into minimal coverage can often save over the course of the year, rather than paying a premium due to a policy lapse. There are plenty of insurance alternatives available that offer drivers low cost basic insurance.

Auto Glass Now encourages drivers to stay covered year round, even if only for the bare minimum. Drivers can usually find a basic liability policy for cheaper yearly than a lapsed policy will cost to renew. This way, you are covered financially and insured, all year round.